Eventual
The company behind Premium Lock, helping homeowners fight back against rising insurance prices.
Overview
Eventual is a New York-based climate fintech company operating at the critical intersection of climate risk and the built world. The company develops multi-year property insurance solutions designed to help real estate owners and investors hedge against new climate risks and insurance premium volatility.
Founded in 2023 by Dylan DiMarchi and Youssef Doss, Eventual built a proprietary AI model based on historical and current data from 20 million homes and 150,000 commercial properties that estimates how insurance prices on properties across the United States will change in the coming years. The company's technology can predict premium changes up to five years into the future.
Eventual's flagship product, Premium Lock, addresses one of the most pressing issues in property insurance: pricing volatility. Rising premiums driven by inflation and climate-related risks continue to disrupt the U.S. real estate market, with many customers seeing premiums unexpectedly increase 50% to 100% over three to four years. Premium Lock offers multi-year premium guarantees on existing policies without requiring customers to change insurers or cut coverage.
Products & Services
Premium Lock
Premium Lock is the first and only product offering long-term insurance predictability for American real estate owners. It attaches to existing homeowners or commercial property insurance policies and guarantees three years of premium stability.
Key Features
- Multi-year premium guarantees on existing insurance policies
- Covers the difference if actual premiums exceed predicted levels
- Instant quotes in approximately 30 seconds
- Works with any insurance carrier (no need to switch)
- No changes to existing coverage required
- Available nationwide across the U.S.
Target Users: Landlords, real estate developers, institutional property owners, and homeowners seeking cost certainty in high-risk climate environments.
Climate Risk Prediction Platform
Eventual's underlying AI-powered platform analyzes property-level insurance premium trends and predicts future pricing changes for any U.S. address.
Key Features
- Predictive models for insurance premium trends up to five years
- Database covering 20 million homes and 150,000+ commercial properties
- Decade-plus historical policy data analysis
- Property-level climate risk assessment
Target Users: Insurance carriers, real estate investors, portfolio managers
At a Glance
- Founded
- 2023
- Headquarters
- New York, NY
- Employees
- 11-50
- Funding
- Seed
Category & Focus
- Category
- Insurance Finance
- Subcategories
- Premium Financing Climate Risk Management Predictive Analytics
- Insurance Verticals
- P&C
- Target Customers
- Carriers, MGAs, Agents, Landlords, Real Estate Investors, Property Owners
Customers
- RoomUnity (King's Gate portfolio company)
Links
Last updated: 2026-03-25